LTV · monthly repayment
▼ 0.50% · 3.625%
HK$77,163
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$79,563
−HK$2,438/mo
Today · 4.125%
HK$82,001
baseline
▲ 0.50% · 4.625%
HK$86,991
+HK$4,990/mo
Deposit HK$16.92M · loan HK$16.92M · min. income ≈ HK$164,002/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,438,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,843
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$88,145
−HK$2,335/mo
Today · 4.125%
HK$90,480
baseline
▲ 0.50% · 4.625%
HK$95,250
+HK$4,770/mo
Deposit HK$16.92M · loan HK$16.92M · min. income ≈ HK$180,960/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,438,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,595
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$95,475
−HK$2,927/mo
Today · 4.125%
HK$98,402
baseline
▲ 0.50% · 4.625%
HK$104,389
+HK$5,987/mo
Deposit HK$13.54M · loan HK$20.30M · min. income ≈ HK$196,804/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,438,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,011
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$105,774
−HK$2,802/mo
Today · 4.125%
HK$108,576
baseline
▲ 0.50% · 4.625%
HK$114,300
+HK$5,724/mo
Deposit HK$13.54M · loan HK$20.30M · min. income ≈ HK$217,152/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,438,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,028
−HK$6,774/mo
▼ 0.25% · 3.875%
HK$111,388
−HK$3,414/mo
Today · 4.125%
HK$114,802
baseline
▲ 0.50% · 4.625%
HK$121,787
+HK$6,985/mo
Deposit HK$10.15M · loan HK$23.69M · min. income ≈ HK$229,604/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,438,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,180
−HK$6,492/mo
▼ 0.25% · 3.875%
HK$123,403
−HK$3,269/mo
Today · 4.125%
HK$126,672
baseline
▲ 0.50% · 4.625%
HK$133,350
+HK$6,678/mo
Deposit HK$10.15M · loan HK$23.69M · min. income ≈ HK$253,344/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,438,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,893
−HK$8,709/mo
▼ 0.25% · 3.875%
HK$143,213
−HK$4,389/mo
Today · 4.125%
HK$147,602
baseline
▲ 0.50% · 4.625%
HK$156,584
+HK$8,982/mo
Deposit HK$3.38M · loan HK$30.46M · min. income ≈ HK$295,204/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,517
−HK$8,348/mo
▼ 0.25% · 3.875%
HK$158,661
−HK$4,204/mo
Today · 4.125%
HK$162,865
baseline
▲ 0.50% · 4.625%
HK$171,449
+HK$8,584/mo
Deposit HK$3.38M · loan HK$30.46M · min. income ≈ HK$325,730/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,438,175 · Scale 2, in force from 26 Feb 2026)